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German American Bancorp(NASDAQ) GABC

Current Price$48.39
Market Cap$1.82BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1993)+2,555%
5 Year+56%
1 Year+25%
1 Month+4%
German American Bancorp last closing stock price
MetricPriceDate
Last closeUSD 48.432026-07-24
German American Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.29%USD 48.572026-07-17
1 month+4.13%USD 46.512026-06-24
3 month+12.04%USD 43.222026-04-24
Year to date+25.37%USD 38.632025-12-31
1 year+24.8%USD 38.812025-07-24
3 year+84.82%USD 26.202023-07-25
5 year+55.52%USD 31.142021-07-23
Since inception+2,554.84%USD 1.821993-05-18

German American Bancorp Financials at a Glance

Market Cap

$1.82BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$499.28M

Net Income (TTM)

$135.27M

EPS (TTM)

$3.61

P/E Ratio

13.42

Dividend

$1.20

Beta (Volatility)

0.62 (Low)

Price

$48.39

Volume

4,016

Open

$47.96

Previous Close

$48.39

Daily Range

$47.96 - $48.61

52-Week Range

$36.56 - $49.39

Estimated Earnings Date

Jul 27, 2026

GABC News

SellAlert-Blue.png

A small fund exited German American Bancorp. Other moves tell a bigger story

Seena HassounaApr 30, 2026
Generic Bank Getty

Loan Deferrals at Banks Continue to Decline

Bram BerkowitzSep 13, 2020

GABC: Motley Fool Moneyball Superscore

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About German American Bancorp

German American helps people and businesses in the Midwest manage their money and plan for the future. The bank provides everyday services like checking accounts, business loans, and retirement planning. It serves local communities across Indiana, Kentucky, and Ohio through 94 physical offices.

More Than Just Checking

  • Core Banking: Provides checking and savings accounts alongside consumer, commercial, and agricultural loans for local residents and businesses.
  • Wealth Management: Offers trust, investment advisory, brokerage, and retirement planning services to help clients grow their assets.
  • Insurance Referrals: Generates income through referral payments for insurance products after selling its dedicated insurance agency assets in 2024.

Growing the Footprint

  • Acquired Heartland BancCorp on February 1, 2025, adding approximately $1.94 billion in assets and 20 retail offices in Ohio and Kentucky.
  • Sold substantially all assets of German American Insurance, Inc. to The Hilb Group of Indiana, LLC in June 2024 for $40 million.
  • Restructured its securities portfolio in mid-2024 by selling $375.3 million in bonds to reinvest the proceeds by the end of the third quarter.

Local Roots and Regulatory Strength

German American maintains a well-capitalized status under federal banking rules, which is a regulatory measure of financial strength and stability. The company operates a network of 94 offices to maintain deep ties within its local Indiana, Kentucky, and Ohio markets.

Measuring the Recent Performance

  • Revenue reached $126.7 million in Q4 2025, up 39.7% from $90.7 million in Q4 2024.
  • Net income hit $35.7 million in Q4 2025, a 53.7% increase compared to the previous year.
  • Operating income rose to $43.8 million in Q4 2025, up 52.8% from $28.7 million in Q4 2024.
  • Free cash flow hit $41 million in Q4 2025, up 46.3% year-over-year.

The Evolution of the Bank

German American has shifted from a multi-service financial provider to a more focused banking and wealth management institution. Recent large acquisitions and asset sales show a strategy of geographic expansion into new metropolitan markets.

AI Generated • Apr 29, 2026

Industry

Banks

Sector

Financials

Employees

984

CEO

D. Neil Dauby, CPA

Website

www.germanamerican.com

Headquarters

Jasper, IN 47546, US

GABC Financials

Key Financial Metrics (TTM)

Gross Margin

74.10%

Operating Margin

33.74%

Net Income Margin

27.09%

Return on Equity

11.95%

Return on Capital

10.41%

Return on Assets

1.61%

Earnings Yield

7.45%

Dividend Yield

2.48%

Payout Ratio

32.56%

Stock Overview

Market Cap

$1.82BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

37.56M

Volume

4.02K

Avg. Volume

156.70K

Financials (TTM)

Gross Profit

$369.98M

Operating Income

$168.45M

EBITDA

$196.52M

Operating Cash Flow

$158.43M

Capital Expenditure

-$5.13M

Free Cash Flow

$153.30M

Cash & ST Invst.

$75.96M

Total Debt

$174.65M

German American Bancorp Performance Analysis

German American Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 277,656,00021.4%
20232023-12-31USD 316,573,00014.0%
20242024-12-31USD 353,052,00011.5%
20252025-12-31USD 487,094,00038.0%
German American Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3010.9%
Q32025-09-302.7%
Q42025-12-310.1%
Q12026-03-31-2.9%
German American Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.78-12.4%
20232023-12-31USD 2.914.6%
20242024-12-31USD 2.83-2.7%
20252025-12-31USD 3.068.3%
German American Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30186.7%
Q32025-09-309.3%
Q42025-12-311.1%
Q12026-03-31-7.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$122.93M

+10.7%

Gross Profit

$94.08M

+42.3%

Gross Margin

76.53%

N/A

Market Cap

$1.82BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.85M

N/A

Employees

984

N/A

Net Income

$33.15M

+215.2%

EBITDA

$46.59M

+172.8%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$75.96M

-93.6%

Total Debt

$174.65M

-19.3%

Accounts Receivable

$37.68M

N/A

Inventory

$0.00

N/A

Long Term Debt

$142.28M

-20.2%

Short Term Debt

$32.37M

-15.4%

Return on Assets

1.61%

N/A

Return on Invested Capital

2.02%

N/A

Free Cash Flow

$35.98M

-1.9%

Operating Cash Flow

$37.04M

-2.3%

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Questions About GABC

What is the current price of German American Bancorp?

German American Bancorp is trading at $48.39 per share.

What is the 52-week range for German American Bancorp?

Over the past 52 weeks, German American Bancorp has traded between $36.56 and $49.39.

How much debt does German American Bancorp have?

As of the most recent reporting period, German American Bancorp reported total debt of $174.65M.

How much cash does German American Bancorp have on hand?

German American Bancorp does not have cash on hand data available.

What is German American Bancorp’s dividend yield?

German American Bancorp currently has a dividend yield of 2.48%.

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